SWIFT Code SWHQUS3N — SWIFT, NEW YORK,NY

About SWIFT Code SWHQUS3N — SWIFT, NEW YORK,NY

SWIFT code SWHQUS3N is the official 8-character head-office BIC (Bank Identifier Code) for SWIFT in NEW YORK,NY, United States. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by SWIFT for all outward international remittances from NEW YORK,NY. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code SWHQUS3N

The code SWHQUS3N follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code SWHQUS3N

Receiving International Wire Transfers

To receive money from abroad at your SWIFT account in NEW YORK,NY, share SWIFT code SWHQUS3N with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at SWIFT, NEW YORK,NY must provide SWIFT code SWHQUS3N. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using SWIFT in NEW YORK,NY rely on SWIFT code SWHQUS3N for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for SWIFT →

For cheque clearing or NACH mandates, use the MICR code for SWIFT →

For TDS challan deposits, find the BSR code for SWIFT →

How SWIFT Code SWHQUS3N Routes an International Transfer

1. Initiation: The sender provides SWIFT code SWHQUS3N and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to SWIFT.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: SWIFT receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code SWHQUS3N

• Spaces or lowercase letters — Always enter SWHQUS3N uppercase with no spaces.
• Using the wrong city — This code is for NEW YORK,NY only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within United States.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm SWHQUS3N directly with SWIFT's NEW YORK,NY branch or via the SWIFT BIC Directory.